The Texas Report · Llano County · rating area 3

The Llano County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Llano County
Age	Plans	Dominated	Short List	Ladder rungs
25	87	84 (97%)	3	2
40	87	84 (97%)	3	2
60	87	86 (99%)	1	1

The Short List at 25

3 plans out of 87. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung	Expanded Bronze	$343.47	$4,122	$12,122	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$414.11	$4,969	$10,969	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$463.20	$5,558	$9,958	39.89¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($9,958). Anything past that point is just pre-paying for care.

The Short List at 40

3 plans out of 87. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung	Expanded Bronze	$437.20	$5,246	$13,246	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$527.13	$6,326	$12,326	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$589.61	$7,075	$11,475	50.81¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,475). Anything past that point is just pre-paying for care.

The Short List at 60

1 plan out of 87. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung · crossover	Expanded Bronze	$928.46	$11,142	$19,142	0¢

Worst case bottoms out at BSW Savers Bronze HMO H S A 006 ($19,142). Anything past that point is just pre-paying for care.

Plan year 2026, generated 2026-08-13. The Floor is the annual premium; worst case is the Maximum Annual Exposure — premium plus the most the plan can ask you to chip in. Method at /evidence/methodology. Prices are the carriers’ own, set by law.